What is Cooling & Winter, LLC?
Cooling and Winter is a southeast regional debt collection law firm based out of Atlanta, Georgia. The firm represents national banks, credit card issuers, student loan issuers, debt buyers, and financial institutions.
Why is Cooling and Winter Contacting Me?
If Cooling and Winter is contacting you, you most likely owe a debt to either a credit card company or a debt collector.
These debt collection calls and letters are very stressful because they are attempting to collect a debt and are either threatening to sue, in the process of suing you, or have already sued you.
What to do if they file a lawsuit against me?
If Cooling and Winter serves you, you need to promptly respond to the credit card or debt buyer lawsuit.
If you do not respond to the summons, Cooling and Winter will obtain may obtain a default judgment.
Can Cooling and Winter Garnish my Wages?
If a debt buyer or creditor retains a law firm, they have every intention to collect on a debt.
Armed with the judgment, the creditor can garnish your wages and bank accounts.
How can I stop a Cooling and Winter Wage or Bank Garnishment?
If you are being sued or garnished by a debt collector, contact Diwan Law immediately.
We have the knowledge and experience to defend you in every aspect of your case.
Diwan Law will assert all viable defenses you may have, file the appropriate motions, and negotiate with the creditor to prevent the creditor from garnishing you.
If Cooling and Winter is suing you for any amount of money, contact Diwan Law, the credit card defense attorney, to discuss your legal options. Call Diwan Law, 404-635-6883, for a free consultation.
About Diwan Law
Diwan Law is dedicated to getting our clients the best result possible.
Diwan Law represents clients facing:
- Debt buyer lawsuits (i.e. Midland Funding, Portfolio Recovery Associates, Asset Acceptance, Cavalry Portfolio Services, Unifund, etc.)
- Credit Card lawsuits
- Suits stemming from automobile repossession deficiencies, apartment leases, and other contract-related matters;
- Dormant judgment revival; and
- Garnishment actions on bank accounts or wages.
Diwan Law Handles Cases in:
Magistrate Court And Small Claims Cases
In Georgia, magistrate court cases are small claims and are limited to cases in which the amount sought is $15,000 or less.
Claims in magistrate court are heard and decided by a magistrate judge without a jury.
Frequently, these cases relate to credit card debt or other small claims for money.
Just because a claim is brought in magistrate court does not change the burden of proof. The plaintiffs still have to prove their claim.
Common Types of Cases Handled in Small Claims Court
- Dispossessory [Evictions]
- A landlord not returning a security deposit
- Gym contract disputes
- Credit card lawsuits
- Overcharges for car repairs or faulty work
- Unlawful eviction notices
- Construction lawsuits
- Pet disputes
- Debt Collection Lawsuits
Do I Need a Lawyer for Small Claims Court?
Whether you need an attorney in magistrate court depends on your specific situation. Either way, you may want to consult a lawyer.
You may wish to have a consultation in which you discuss the facts and circumstances of the case with a neutral party. In this manner, you can get the lawyer’s opinion about the strength of your case. You may also learn about weaknesses in your case that you may not have considered.
A lawyer may advise whether or not you should pursue the action against the other party. They may discuss the problems with collecting on a judgment even if you do win. This can help you make a more informed decision about the likelihood of actually collecting on a judgment.
A lawyer may also be able to assist plaintiffs and counter-defendants with the preparation of evidence. They may describe the process involved in getting evidence admitted in court. They can also point out if some types of evidence may not be admissible.
When you should hire an attorney
- When the other party has a lawyer in small claims court
If you find out an attorney is representing the other party in a magistrate case and you aren’t, you probably need a lawyer, too.
After all, you don’t want the defendant having what seems like the unfair advantage of professional help.
- When facing a corporation or business in small claims court
If you are going against a corporation or business [such as a credit card company or a debt collector] in magistrate court, it’s prudent to hire a lawyer if possible.
If you are dealing with a claim in magistrate court, contact Diwan Law, the credit card defense attorney, to discuss your legal options. Call Diwan Law, 404-635-6883, for a free consultation today.
Diwan Law Handles Cases in:
Gwinnett County Magistrate Court; Dekalb County Magistrate Court; Cobb County Magistrate Court; Fulton County Magistrate Court; Henry County Magistrate Court; and most other magistrate courts in Georgia.
What is Portfolio Recovery Associates?
Portfolio Recovery Associates also know as PRA Portfolio Recovery or PRA is one of the largest debt collection companies in the world.
This collection agency specializes in buying old debt from companies and trying to collect on it. With most cases involving charged-off debt, they can buy it for extremely cheap.
Is Portfolio Recovery Associates a Scam?
Portfolio Recovery is a real collection agency.
Like other debt collectors, Portfolio Recovery often goes straight into litigation without first informing you that they are attempting to collect a debt. This is in an attempt to get you to pay your debt faster or face the repercussions.
Are you being sued by Portfolio Recovery?
If you are served with a summons from PRA, you need to respond quickly.
If you fail to respond to the lawsuit, Portfolio Recovery may be able to obtain a default judgment against you.
Armed with the default judgment, the debt collection company can garnish your wages and bank accounts.
Before accepting a PRA judgment, speak with a debt defense attorney. A collections defense lawyer will explain your rights and the legal process, such as how long you have to answer the lawsuit, the proven defenses, and the impact of a judgment.
Are you being harassed by Portfolio Recovery?
- Contact anybody who is not the main person that owes the debt;
- Threaten to refer to a lawyer, harm of credit, or wage or bank garnishment without the actual intent to act on the threat
- Contacting you at “unreasonable times,” such as before 8:00 AM or after 9:00 PM;
- Contacting your employer;
- Use profane or obscene language during calls;
- Sending collection letters that appear to be from a court or government agency;
- Threaten to arrest you if you do not pay the debt
Contact Diwan Law
We are experienced in debt collection law and have an established record of protecting consumer’s rights. No matter where you are in the collection process, you deserve to know your rights and what to expect. Give us a call at 404.635.6883.
If a creditor or debt collector has served you with a lawsuit and you do not file an answer within 45 days, you may be able to avoid a default judgment and have your day in court.
The following discussion summarizes Georgia’s policy of deciding cases based on the facts or “on the merits” rather than through default judgments.
Applicable Georgia Statutes
In Georgia, after service, the defendant typically has 30 days to respond to the complaint. If a defendant fails to file an answer within those 30 days, the case is deemed to be “in default.”
After those 30 days have passed, a defendant has an additional 15 days to automatically “open default,” without admitting to the plaintiff’s allegations, under O.C.G.A. § 9-11-55(a).
If a defendant still fails to respond after 45 days, then a defendant may still be able to “open default.” Along with paying court costs, filing an answer under oath, and stating a readiness to proceed to trial, the defendant must satisfy specific statutory requirements and preconditions under O.C.G.A. § 9-11-55(b):
“At any time before final judgment, the court, in its discretion, upon payment of costs, may allow the default to be opened  for providential cause preventing the filing of required pleadings or  for excusable neglect or  where the judge, from all the facts, shall determine that a proper case has been made for the default to be opened, on terms to be fixed by the court.”
Providential cause typically covers events over which a party or lawyer lacked control over, including the illness of a litigant, see Phillips v. Taber, 83 Ga. 565(1889), or his lead counsel, Printup v. Mitchell, 19 Ga. 586 (1856); the death of a party, see Dougherty v. Fogle, 48 Ga. 615 (1873); the absence of an attorney due to military service, see Dalton City Co. v. Dalton Mfg. Co., 33 Ga. 243 (1862); and acts of God, see Carhart v. Ross, 15 Ga. 186 (1854).
The term “excusable neglect” refers to a ‘reasonable excuse’ for failing to answer a complaint, which is different from willful disregard of the process of the court. Ga. Farm Bldgs., Inc. v. Willard, 170 Ga. App. 327, (1984).
The “proper” case ground allows the court to reach “out in every conceivable case where injustice might result if the default were not opened,” Axelroad v. Preston, 232 Ga. 836 (1974).
All three grounds require that the defendant’s failure to file a timely answer must not have resulted from willful or gross negligence. See Muscogee Realty Dev. Corp. v. Jefferson Co., 252 Ga. 400 (1984).
What does this mean for defendants?
Even after 45 days have elapsed since being served, litigants may be able to open default and proceed to the merits of the case.
So, if you did not timely respond to a complaint resulting from debt, you might still be able to avoid judgment.
About Diwan Law
Diwan Law is a law firm dedicated to vigorously representing our clients.
Diwan Law represents debt collection cases in the Magistrate, State, and Superior Courts of Georgia.
Diwan Law represents clients facing:
- Debt buyer lawsuits (i.e. Midland Funding, Portfolio Recovery Associates, Asset Acceptance, Cavalry Portfolio Services, Unifund, etc.);
- Credit Card lawsuits (i.e. American Express, Citibank, Suntrust, etc.);
2 Ravinia Dr NE, Suite 120
Atlanta, GA 30346
We serve clients across Georgia, including, but not limited to, clients in the following locations: Fulton County including Atlanta, Milton, Roswell, and Sandy Springs; Bibb County including Macon; Carroll County including Carrollton; Cobb County including Kennesaw, Marietta, and Smyrna; Coweta County including Newnan; DeKalb County including Brookhaven, Clarkston, Decatur, Dunwoody, and Stone Mountain; Douglas County including Douglasville; Floyd County including Rome; Gwinnett County including Duluth; Habersham County including Cornelia; and Hall County including Gainesville, Cherokee County, Henry County, Forsyth County, and Paulding County.
An Atlanta law firm that provides exceptional service in debt collection litigation defense, civil rights litigation, traffic ticket defense, and more!